has the largest banks and bank presence, so it's going to require some, again, some agreements, some mou's, some work together, some ideas about how to divide assets, how to reconcile different bankruptcy codes and the like, so it's a lot of work to be done. and i -- you know, i think we have a way to go still, but obviously, we're very focused on doing that and we have a lot of cooperation and goodwill from our international partners. >> and mr. chairman, you indicated, i think the phrase was, the regulations given to us by congress, you know, and we always looked for the ability to structure legislation with the flexibility under regulation, did not put any to a statutory straitjacket, but i had some concerns yesterday in testimony. when you look at that period in late september-early october, in attempting to deal with wachovia, and in the minutes of the fdic discussions, they take the very extraordinary step of accepting the concept of hopefully no dollar exposure, but responsibility for backup, on the city wachovia structure. that's put to bed. and then literally, the very next day, i